被BOA杀全家了!😭
被BOA因疑似洗钱永久封户，CC与Checking/Saving全部关闭。
1. 关键信息
- Account: BOA Elite / BOA Premium Rewards CC；Checking / Saving。
- Closed: 28th statement cycle; checks refused; CFPB & small claims filed.
- Credit limits: 1k/1.5k → 2k/5.2k; monthly spend 7.5k–13k.
- Cause suspected: Structuring via PPBP (2× self-Debit→PayPal→CC) + high utilization.
- Rewards: 2000+ pts forfeited; no reason given; annual fees not refunded.
2. 羊毛/优惠信息
无
3. 最新动态
- BOA refuses to disclose specific reason; cites Card Agreement § allowing closure at any time.
- User escalated to small claims; BOA responds with denial, no compensation.
- Other users report similar permanent closures linked to PPBP/structuring.
4. 争议或不同意见
- Some argue 10k in checking is "demonstrating wealth" and triggers review (#65, #75).
- Debate over whether CC or Checking was flagged first (#82, #91).
- Disagreement on whether rewards can still be recovered (#88, #131).
5. 行动建议
- Avoid PPBP/structuring; do not use BOA for high-risk moves.
- If still active, consider switching deposits to Fidelity/Vanguard.
- Accept permanent closure; do not expect account or rewards reinstatement.